Free expense splitting for India, with AI input and instant UPI payments.
Product memo
Settl targets the Indian market with a free expense-splitting app. It uses AI for natural language expense creation and integrates directly with UPI payment apps. Its core wedge is settlement verification, which prevents disputes and differentiates it from global competitors by focusing on local payment methods and user habits.
For who
Indian users managing shared expenses
Solves what
Splitting bills and settling debts instantly with UPI integration and AI.
- AI-powered expense creation
- Instant UPI payments
- Settlement verification
In their own words
Split Bills Instantly with Settlement Verification — Better Than Splitwise
Free expense split app with settlement approval & UPI payments. Track group expenses, verify settlements instantly, and settle up without awkwardness. Built for India with GPay, PhonePe, Paytm integration. Settl AI parses natural language into expenses in seconds.
Track expenses, verify settlements, and split bills on your own terms. Built for India with native UPI integration. Settlement approval prevents payment disputes.
Commercial cues
Model
free only
Free tier
Yes
Trial
No
Pricing Strategy
Settl offers a free tier; paid plan details are not publicly priced.
- • A free tier with core functionality drives user acquisition.
- • Native UPI integration ensures strong market fit for Indian users.
- • Visible limits define plan boundaries.
Operator context
Team
Indie / lean
Founded
May 2026
HQ
India
Platform
Mobile
Audience
General
Public footprint
Builder Strategy
- Strategy Type
- Niche Specialist
- Stage
- Pre Revenue
- Effort
- Solo Buildable
About Settl: Split. Track. Settle. Expand
Settl provides a free expense-splitting application specifically designed for the Indian market. It helps users manage shared expenses, split bills, and settle debts instantly.
The app leverages AI for natural language expense parsing, simplifying the input process, and integrates directly with UPI for direct payments. A key differentiator is its settlement verification feature, which helps prevent payment disputes.
By focusing on native UPI integration and local user habits, Settl carves out a niche against broader, global expense-tracking tools.